Read the following passage and answer the item that follows. Your answer to this item should be based on the passage only.

Choosing how to allocate one's savings is one of the most consequential financial decisions a person makes, yet many put off that choice indefinitely. We crave certainty about the future and instinctively picture any volatile asset as dangerous and value-destroying. We resent see-sawing returns and any loss of control, and would rather keep our money still, unproductive but apparently safe. Yet no asset is truly free of risk: employers close, home values fall, banks fail, bonds default, governments stumble, and once-admired companies vanish. Still, one cannot plan a life around the idea that every extreme scenario will strike at once, since these severe risks rarely converge together.

Which one of the following statements best implies the suggestion given by the author of the passage?